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At Delaware Valley Medigap
We Speak Medicare

Why Choose Delaware Valley Medigap

Every Individual Has a Unique Situation

At Delaware Valley Medigap, we understand this whole-heartedly, which is why we work hard to find the right plan for your unique situation and simplify the process so that you feel comfortable in any decision you make with selecting Medicare coverage.

Giving You Options That Make Sense to You and Your Budget

There is no wealth like good health! Learn to keep the superior coverage of your original Medicare at any budget.

Helping You to Spend Less Time & Money

Medicare planning can be quite confusing. Don’t go it alone and step into one of the many traps that this industry has created. If that plan being touted by one of many carnival barkers on TV seems too good to be true … it is just that.

John Egger | Delaware Valley Medigap
Independent Licensed Insurance Agent
What We Do Best

Unraveling the Complexity of Medicare

Medicare Supplement

Medigap or Medicare Supplemental insurance is a private insurance policy that can be purchased to fill the “Gaps” in original or traditional Medicare.

Medicare Advantage

Medicare Advantage Plans, sometimes called “Part C” or “MA Plans” are offered by Medicare-approved private companies that must follow rules set by Medicare.

Part D Drug Plans

Medicare drug coverage helps pay for prescription drugs you need. Even if you don’t take prescription drugs now, you should consider getting Medicare drug coverage.

Dental & Vision Plans

Original Medicare does not cover routine dental, vision, or hearing issues. We’ll help you find the Medicare Advantage Plan that will be more beneficial to you!

Catastrophic Illness Plans

Anyone at any time can be diagnosed with cancer, heart attack, or stroke. No one likes to think about the possibilities, but the risks are very real.

Final Expense Policies

A Final Expense Whole Life insurance policy can help your loved ones carry out your final wishes. Be prepared because out-of-pocket expenses can quickly add up!

Do You Have Questions

We Have Answers For You

If you have paid into the system for at least 40 quarters or 10 years you will receive your part A free and the large majority of people will pay a $170.10 (2022 prices) premium for Part B. For those with higher than average incomes ($91k single/$182k married), premium costs may be higher.

You can sign up for Medicare starting three months prior to the month in which your 65th birthday falls and up to three months after that same month (7-month total period). For example, if your birthday is April 18th, you can make an application on January 1st through July 31st and your effective date will be at the soonest April 1st or the first day of the month after you make an application if later than April 1st. If you miss this window you will need to apply January 1st through March 31st (Medicare open enrollment) of the following year for a future July 1st start date and lifelong penalties may be applied.

Yes, if you are receiving a monthly Social Security check and receiving Medicare benefits, you have no option other than allowing Medicare to debit their monthly premium from your Social Security check. This will happen automatically when you are receiving both benefits simultaneously.

Having original Medicare only opens you up to a tremendous amount of risk in the event that you become seriously ill or injured. Medicare has deductibles and coinsurances, but the most dangerous is the fact that you are responsible for 20% of an unlimited bill. There is no cap on your responsibility and this can devastate your finances.

A Medigap plan, also known as Medicare supplement, is a private insurance contract that is standardized by the Centers for Medicare Services (CMS) that helps Medicare recipients pay the deductibles, coinsurances, and 20% that Medicare does not cover.

Not yet, Unless you are receiving a social security check (which would trigger an automatic monthly withdrawal/payment) Medicare requires your premium to be paid 3 months at a time in advance. Medicare does offer and online auto pay feature, maybe one day soon they will catch up with the rest of the world and offer a monthly option.

We’re Helping Clients Close the Gap With Their Medicare Plans and Coverage

Knowledgeable & Experienced

If you have questions, check out our frequently asked questions or fill out the form and we will get back to you as soon as possible.

Schedule a Consultation

We understand that the process may be confusing at times, that is why we are here to help! Get in touch with us today and we will work to provide insightful answers to help you feel more comfortable with your decisions about Medicare.

Schedule an Appointment

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By submitting this form and providing your information (such as name, phone number, and/or email address), you agree to allow a licensed insurance agent, or other authorized representative from our organization, to contact you by phone, e-mail, or mail to answer your questions and provide additional information about Medicare Advantage, Part D, or Medicare Supplement Insurance plans.

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